Raqami is going to be the first pure-play Islamic Digital Bank in the country.This role manages embedded credit risk for all the financing solutions offered across the key segments.

With P&L ownership, this role was mandated to build and manage 'Embedded Finance/BNPL' value proposition for SMEs/Small Retailers and digitization of credit in Supply Chain in partnership with Fintechs/B2B online marketplaces.

Reporting to the COO, 'Strategy & Products' entailed the following units:- Strategy- Products (Digital & Conventional)/SimSim (Digital Banking App)- Subsidiary PMO- New Initiatives/Special Projects- Research & Customer Lifecycle Management (CLM)

Key responsibilities included;• Achieve long-term competitive success by identifying new market opportunities and supporting business growth through innovative products targeted across all key customer segments.• Manage the Research function to ensure that consumer insights remain at the center of all the new initiatives. Also, this role requires strong collaboration with the Global Research Team to deliver on the subsidiary level projects that feed into the global research… Show more Key responsibilities included;• Achieve long-term competitive success by identifying new market opportunities and supporting business growth through innovative products targeted across all key customer segments.• Manage the Research function to ensure that consumer insights remain at the center of all the new initiatives. Also, this role requires strong collaboration with the Global Research Team to deliver on the subsidiary level projects that feed into the global research dashboards. • Manage and report the subsidiary's social performance through a global tool called 'Mission Monitor'.• Contribute towards FINCA 2.0 (Digitally Transformed Bank). Show less

The USAID-financed Financial Market Development (FMD) Project, a long-term technical and training collaboration program, was designed to promote the development of competitive, deepened and diversified debt capital markets in Pakistan. One of the components of the FMD Project was developed to provide technical assistance to the Development Credit Authority’s (DCA) partner banks (i.e. Khushhali Microfinance Bank, First Microfinance Bank, JS Bank and Bank Alfalah).Reporting to the Chief… Show more The USAID-financed Financial Market Development (FMD) Project, a long-term technical and training collaboration program, was designed to promote the development of competitive, deepened and diversified debt capital markets in Pakistan. One of the components of the FMD Project was developed to provide technical assistance to the Development Credit Authority’s (DCA) partner banks (i.e. Khushhali Microfinance Bank, First Microfinance Bank, JS Bank and Bank Alfalah).Reporting to the Chief of Party (COP), I was responsible to collaborate with the partner banks and provide technical assistance, enabling them to expand SME/MSME credit portfolio through the following tasks/activities;• Establishing the strategic direction and roadmap for SME/MSME lending, as well as, identifying key challenges to be addressed to improve the SME/MSME lending program • Identifying the key market segments to be targeted and studying the credit needs of those segments through secondary and primary researches• Developing specific value propositions tailored to the needs of the targeted segments• Improving on the credit assessment/approval methodology and capacity building plans using global best practices in collaboration with the expat STTAs• Designing and rolling out pilot programs• Monitoring and evaluating performance Show less

Commercial Clients (CC) was a newly established Vertical, combining SME and Middle Market. Reporting to the MD & Head (Commercial Clients), my key role & responsibilities entailed;• Develop and Execute the required Sales Management work streams - Frontline Incentives and Scorecards - Training/Learning Agenda - Sales Coverage Model - Sales Tools (CRM/Business Intelligence) - Pipeline Management• Develop and Manage the Commercial… Show more Commercial Clients (CC) was a newly established Vertical, combining SME and Middle Market. Reporting to the MD & Head (Commercial Clients), my key role & responsibilities entailed;• Develop and Execute the required Sales Management work streams - Frontline Incentives and Scorecards - Training/Learning Agenda - Sales Coverage Model - Sales Tools (CRM/Business Intelligence) - Pipeline Management• Develop and Manage the Commercial Client's Value Proposition - CVP Development - Industry/Sector Strategy - Client Research and Segment Analytics - Branding, Marketing, Events, Awards etc - Sustainability, 'Here for Good' initiatives• Drive Product and Channel Delivery (via liaising with Product Partners) Show less

Reporting to the GM SME Banking, I was responsible for the following;• Diagnose business performance and ensure timely delivery of business performance reports• Provide analysis to support decision making and formulation of business strategy• Re-forecast the business performance on a monthly basis and recommend actions to ensure meeting the business target• Close tracking of market trend and competitors’ activities and provide strategic recommendation on how… Show more Reporting to the GM SME Banking, I was responsible for the following;• Diagnose business performance and ensure timely delivery of business performance reports• Provide analysis to support decision making and formulation of business strategy• Re-forecast the business performance on a monthly basis and recommend actions to ensure meeting the business target• Close tracking of market trend and competitors’ activities and provide strategic recommendation on how to react• Monitor marketing spend forecast to ensure tight control on budget• Work with the General Manager in innovating new product features to generate additional revenue for existing products • Work with the General Manager in identifying potential new market segments to diversify revenue source• Review all key business initiatives and their financial projections Show less

Reporting to the Group Head (Product, Marketing and Risk Management) and subsequently, Deputy CEO, I accomplished the following;• Drove a high-octane product strategy for 2012-13 capitalizing on emerging trends and white spaces. Built innovative partnerships to become part of the value chains. Led an innovation incubator termed as ‘iTameer’ directly overseen by the CEO• Designed and launched 3 deposit products targeted at Women, Fruit/Vegetable Traders and Senior Citizens. The… Show more Reporting to the Group Head (Product, Marketing and Risk Management) and subsequently, Deputy CEO, I accomplished the following;• Drove a high-octane product strategy for 2012-13 capitalizing on emerging trends and white spaces. Built innovative partnerships to become part of the value chains. Led an innovation incubator termed as ‘iTameer’ directly overseen by the CEO• Designed and launched 3 deposit products targeted at Women, Fruit/Vegetable Traders and Senior Citizens. The portfolio in Senior Citizens product reached 3 billion (PKR) in 2 years • Designed and rolled-out 9 credit products; both secured and unsecured in nature comprising Running Finance, Warehouse Receipt Financing, Home Renovation & Incremental Construction, Transport Loan, Asset Financing, Private School Financing, Livestock Financing, Crop Financing and Solar Home System Financing• Worked out the strategy and roadmap for ‘Enterprise Loan’ targeted at MSME sector • Designed and launched a banca health product, offering in-patient benefits. Customer base went up to 35,000 in 3 years • Part of the cross-functional product development team developing savings, insurance and credit products for ‘easypaisa’. Contributed in the development of Mobile Wallet Savings Account, Retailer financing and Handset financing (planning phase)• Worked on an equity release and investment program built around ‘Gold’ in partnership with Commodity Exchange. Pilot launched in Q1 2014• Led the Telenor Group Policy implementation exercise• Contributed in development of three winning proposals for RFPs floated by donors • Interacted with the relevant industry stakeholders (i.e Donors, Regulator, Association etc.) for New Initiatives, Research, Training, Policy and Advocacy• Managed the Industry Code of Conduct implementation and Pricing Transparency projects initiated by the industry association• Conducted Microfinance Grass-root Training Sessions as a Subject Matter Expert for State Bank of Pakistan Show less

• Project Manager for the follow-on support project for the Voluntary Separation Scheme (VSS) program for Pakistan Telecommunication Limited (PTCL)• Worked on a ‘Foreign Direct Investment’ related project for a US-based client. Analyzed and short-listed promising sectors based on Primary and Secondary research

• Managed ‘Internet Banking’ project at Allied Bank Limited. Assisted client in overall Project Management. Provided close coordination with Bank’s IT Team and other vendors. Prepared a comprehensive document for management covering user registration and usage, business rules, site navigational flow, security aspects and terms & conditions. Prepared Test Cases and assisted Bank in completing User Acceptance Test. Worked with bank for the preparation of a user manual for Operations•… Show more • Managed ‘Internet Banking’ project at Allied Bank Limited. Assisted client in overall Project Management. Provided close coordination with Bank’s IT Team and other vendors. Prepared a comprehensive document for management covering user registration and usage, business rules, site navigational flow, security aspects and terms & conditions. Prepared Test Cases and assisted Bank in completing User Acceptance Test. Worked with bank for the preparation of a user manual for Operations• Participated in the vendor evaluation as part of the selection process for Core Banking Software at Atlas Bank and Allied Bank Limited• Took part in the As-Is Analysis of the Current State of business processes for different banking functions, conducted for Saudipak Bank• Worked on an industry TNA study for Institute of Bankers in Pakistan (IBP). Conducted current state assessment, industry need identification and gap analysis• Worked on a Microfinance Research Study commission by the industry association aimed at unravelling the factors that had led to the rising delinquency in the Central Punjab region of Pakistan• Led a marketing research project done for E-government Directorate, which included Government Survey, Citizen Survey, and Focus Group Discussions (FGDs). Prepared the sampling plan and a comprehensive research manual. Also, moderated four FGDs• Worked with BearingPoint US Team on a USAID project related to establishment of Reconstruction Opportunity Zones (ROZs) in Pakistan. Worked with the team lead to come up with the final analysis on different industries and their potential for exports to the US under the ROZ arrangement• Contributed in development of six winning proposals Show less

• Successfully managed a large clientele composed of Media Industry players comprising Media, Advertisers, Advertising Agencies and Media Planning & Buying Houses• Widened the overall customer base by 40% during the stay and brought onboard major accounts. Also, held several Senior Executive Briefings for clients• Contributed towards the planning and execution of Gallup Media Survey 2004. Afterwards, co-conducted the workshops at Karachi and Lahore for this survey and made a series of… Show more • Successfully managed a large clientele composed of Media Industry players comprising Media, Advertisers, Advertising Agencies and Media Planning & Buying Houses• Widened the overall customer base by 40% during the stay and brought onboard major accounts. Also, held several Senior Executive Briefings for clients• Contributed towards the planning and execution of Gallup Media Survey 2004. Afterwards, co-conducted the workshops at Karachi and Lahore for this survey and made a series of follow-up presentations to prospective subscribers • Directed the preparation and release of Quarterly Gallup Media Research Newsletter. Also, researched and wrote in the said Newsletter highlighting current and future industry trends.• Held orientation and hands-on software training sessions for clients Show less